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DEALING WITH C ANCER HELPING TO EASE TH E FINAN C IAL ST RESS Omagh Independent Advice Services has been established since June 1995. We offer a free, conﬁdential and independent advice, information and representational service on a wide range of welfare rights issues, including social security, debt, consumer issues, housing, employment, legal and community care issues. In August 2005, as part of its contribution towards the national strategy for Financial Capability, the Financial Services Authority created an innovation fund and invited non-proﬁt making voluntary organisations to put forward project ideas to be considered for funding. Omagh Independent Advice Services were successful in attaining funding to produce this support and information pack to help cancer patients and their families to deal with the ﬁnancial impact sudden illness can have on a family. The aim of this pack is to provide general advice, information and guidance on ﬁnancial aspects of every day living; for advice about your speciﬁc circumstances, you should consult our professional advisers. This pack will provide the user with information on organisations that are also there to help in these situations. This booklet can also be accessed through our website: www.dealingwithcancer.co.uk 2nd Floor, Omagh Community House, 2 Drumragh Avenue, Omagh, BT78 1DP Tel: (028) 8224 3252 Fax: (028) 8225 0665 E-mail: firstname.lastname@example.org 2 3 CONTENTS Financial Difﬁculties 7 Government Beneﬁts 15 Cancer Speciﬁc Charities 21 Other Useful Organisations 33 Independent Money 41 Advice Service Financial Statement 44 5 F I N A N C I A L D I F F I C U LT I E S Financial Difﬁculties Illness can strike at any time, the individual’s world stands still, but unfortunately the ﬁnancial commitments will continue. A change in circumstances, can for many reasons, impact ﬁnancially on a household. A cancer diagnosis may not only affect the patient, but in many cases will ﬁnancially affect the partner due to time of work to attend at hospital appointments, care for the individual, child care, etc. This booklet provides some basic information that will help deal with ﬁnancial difﬁculties. Priority and Non-Priority Debts When an individual ﬁnds themselves in ﬁnancial difﬁculty, it is important that they prioritise their ﬁnancial commitments. A loan secured on the home, rent, rates, electric, food, heating, lighting are all what is known as priority debts and need to be maintained as best as possible, the remainder are what is known as non- priority debts and can be dealt with by communicating with the creditor. Priority and non-priority debts are determined by the sanction the creditor has with certain debts; for example, a mortgage is a priority debt because non payment can lead to repossession. The needs of the individual will also make a debt a priority or non-priority debt. For example food is a priority because you cannot survive without it. Rent is another priority debt as it could lead to eviction if not maintained. A credit card debt is not a priority as the debt is not secured and therefore the creditor sanctions are not as severe. 7 F I N A N C I A L D I F F I C U LT I E S F I N A N C I A L D I F F I C U LT I E S Income Maximisation Rent Arrears It is important that the individual looks at ways their Rent monies, whether Northern Ireland Housing income may be increased. Executive tenancy or private tenancy, must be treated as a priority debt. Advice should be taken immediately It would be useful to contact the local advice centre and if rent arrears build up. The Northern Ireland Housing allow an adviser to look at the beneﬁts systems to ensure Executive has a standard recovery process for dealing all beneﬁts entitlement is claimed. with rent arrears. By calling the Northern Ireland Housing Executive and explaining the situation may stop the At the back of this pack is an income and expenditure recovery procedures and avoid a lot of extra worry. sheet, it is useful to write down an account of all income coming into the house and all expenditure going out. If Utility Arrears expenditure exceeds the income, are there any items Electricity, fuel, and gas are all necessities and therefore that can be cut back on or maybe cut out altogether until need to be treated as priorities. The telephone can be ﬁnances improve. treated as a priority if the client need proves this; for example someone living on their own or a single parent It would be beneﬁcial to seek help from a trained may need access to the phone in an emergency. Northern money ofﬁcer. At the back of this booklet is a list of Ireland Electricity no longer has a disconnection policy. independent advice centres that can give free, impartial Instead if arrears continue to build up a meter may be and conﬁdential information and advice. connected in the home allowing the individual to pay as they go for their supply. Mortgages A mortgage loan is secured against your home. Hire Purchase Agreements This means that if you do not keep up the monthly Hire Purchase Agreements are usually used to purchase repayments as agreed, the lender can take possession motor vehicles. The ﬁnance company owns the goods of your home and sell it in order to get back the money until the individual has made payment in full to them. you owe. It is therefore classed as a priority debt. If the If the individual defaults on monthly payments the individual or their partner ﬁnds themselves struggling ﬁnance company can repossess the goods but will need to maintain the mortgage payments, it is vital to make a court order unless the individual gives permission contact with the lender in order to let them know the or less that one third of the agreement has been paid. ﬁnancial circumstances. There may be options such as If the individual ﬁnds themselves unable to maintain paying interest only repayments for a time or adding the payments, it is always best to communicate with the arrears into the mortgage. ﬁnance company and explain the circumstances. 8 9 F I N A N C I A L D I F F I C U LT I E S F I N A N C I A L D I F F I C U LT I E S Personal Loans Credit Card Accounts Personal loans may be secured or unsecured. Where A credit card is a type of revolving credit. If the individual a loan is secured on the home then extra care must be ﬁnds themselves unable to work due to illness, then taken to ensure full payments are maintained as the they should check with the card provider if there is any lender has legal rights to pursue possession for non payment protection insurance on the card. This would payment. A secured personal loan is a priority debt and allow the insurance company to make the payments as such needs to be treated as one. to the card company on the individual’s behalf. It is important to make a claim early so that the account If the loan is unsecured, and the individual ﬁnds does not go into arrears. Sometimes the insurance will themselves unable to maintain the contracted payments, not pay out if the account is not up to date. If there is then communication with the lender is the best advice no protection payment on the account it is important to with an aim to coming to repayment arrangements with deal with the debt as quickly as possible by either direct them. These payments would normally be worked out contact with the creditor or through an advice centre. on a pro-rata basis, which means the amount of surplus income the individual has after paying out priority Store Card Accounts expenditure would be offered to the loan company. It Store cards are similar to credit cards only they are is best to seek help from an independent advice centre normally conﬁned to use in one particular shop. It is who will calculate pro-rata payments for the individual possible that payment protection exists on these cards and make the offer of repayment to the creditors. and the individual should contact the card provider for further information. Banks Accounts and Overdrafts If an individual becomes ill, it is highly likely to affect their Payment Protection Policies income. For someone who has direct debit and standing Payment protection policies are normally offered when orders paid from their bank account and the income an individual signs into a loan or a credit card agreement. has reduced or stopped, this will almost certainly have The premium is payable every monthly with the loan an adverse effect on the bank account. It is advisable or credit card payment. It is there to safeguard the to make contact with the bank as soon as possible and individual against accident, sickness or unemployment. discuss options which the bank may be willing to offer The individual should bear in mind that policies vary, but such as an overdraft facility to cover while the individual most should cover sickness and therefore in the event is getting beneﬁts sorted out. It is always better to of the individual being unable to work a claim should communicate with the bank as early as possible, this will be made. save money on charges and interest accruing. 10 11 F I N A N C I A L D I F F I C U LT I E S Mortgage Protection Policies These policies are similar to those above and are used in the event normally of accident, sickness or unemployment. Having a mortgage protection policy means that mortgage payments will be made should any of these events happen. Critical Illness Policies Critical Illness policies pay out a large lump sum if the individual is diagnosed with a life threatening condition. Tax is not payable on the payout. The individual can use the lump sum for whatever reason they choose. The policy may not pay out on all forms of cancer and the individual should therefore check their documentation or with the company for further assistance. A successful claim on a critical illness policy will almost certainly alleviate ﬁnancial difﬁculties and it is therefore important to check eligibility under any such policy. Income Protection Policies Income protection insurance pays out a monthly income to replace part of the individual’s earnings if they are unable to work because of illness or disability. The income is tax free if the individual took out the policy themselves, if it has been arranged by an employer, the income is taxable. 12 GOVERNMENT BENEFITS Government Beneﬁts Statutory Sick Pay Statutory Sick Pay is paid to employees by their employers for up to 28 weeks in any period of sickness lasting 4 or more days. The beneﬁt is not dependant on national insurance contributions, but the individual must earn at least £84 per week and is taxable. Unemployed and self employed people are not covered by statutory sick pay. If the individual is unable to get statutory sick pay they may be able to claim incapacity beneﬁt instead. Incapacity Beneﬁt Incapacity beneﬁt is a beneﬁt paid to people who are unable to work because of illness or disability. Usually you must have paid enough national insurance contributions to qualify. Incapacity beneﬁt is not affected by savings or most kinds of income other than occupational and personal pensions. An individual should claim if they are unable to get statutory sick pay e.g. they are not employed or are self employed or their entitlement to statutory sick pay has ended. Income Support / Pension Credit Income Support/Pension Credit are means tested or income related beneﬁts intended to provide for basic living expenses for the individual and the partner if there is one. Income Support is for people who are not required to sign on for work e.g. those incapable of work through 15 GOVERNMENT BENEFITS GOVERNMENT BENEFITS ill health or disability, carers or lone parents. Pension There is no lower age limit for DLA care component, Credit is for people over 60 years. but a successful claim needs to be made before the individual’s 65th birthday. Savings of £6000 or more, normally affect how much Income Support/Pension Credit entitlement there is. Special rules for terminally ill – special rules cover people who suffer from a progressive disease that is so Those in receipt of Income Support/Pension Credit may severe that they are not expected to live longer than 6 also be entitled to other types of beneﬁt e.g. mortgage months. It is important that the individual or carer sends interest payments, housing beneﬁt, free prescriptions a doctors DS1500 Report with the claim. DLA under and dental treatment, housing grants, social fund, free special rules means the individual gets the highest rate school meals, and help with hospital fares. each week for help with personal care and claims are dealt with more quickly. There is also a savings element for Pension Credit for people aged 65 or over, which is intended to provide Attendance Allowance extra money for people who have modest savings. Attendance allowance is the beneﬁt available to those over 65 and in need of care or supervision. Disability Living Allowance Disability Living Allowance (DLA) is a beneﬁt for adults Attendance allowance is non means tested and is and children with disabilities. It is for people who need tax free. help looking after themselves and those who ﬁnd it difﬁcult to walk or get around. Carer’s Allowance Carer’s allowance is payable to carer’s looking after a DLA is tax free, not means tested and there is no need sick or disabled individual. to have paid any national insurance contributions. It is paid on top of any other beneﬁts the individual may be To qualify for carer’s allowance the carer must be looking in receipt off and a qualifying period (minimum 3 after someone who is in receipt of either Attendance months) applies. Allowance or the middle or higher care component of Disability Living Allowance. They must care for the There are two components of DLA. The individual may individual for at least 35 hours per week and not earn qualify for either or both: more than £84 a week from paid work. Care component – for help with personal care needs paid at three different levels. Carer’s allowance cannot be paid as well as Retirement Mobility component – for help with walking difﬁculties Pension or other earnings replacement beneﬁts including paid at two levels. contributory Job Seekers Allowance or Incapacity Beneﬁt. 16 17 GOVERNMENT BENEFITS GOVERNMENT BENEFITS Social Fund Housing Beneﬁt Community Care Grant is a non-repayable grant Housing Beneﬁt is a means tested beneﬁt. It can be awarded for the purpose of meeting a need for claimed by people who have a low income and either community care. Grants can be awarded to help ease rent their homes or pay rates as owner occupiers. exceptional pressures on families. The grant is only available to people in receipt of Income Support, Income Housing Beneﬁt can be paid whether or not the based Job Seekers allowance or Pension Credit. individual is in full time work. A Budgeting Loan can be made to help meet Housing Beneﬁt for tenants is paid by the Northern intermittent expenses which the individual may have Ireland Housing Executive. Owner occupiers receiving difﬁculty meeting. These loans are for people who are in rates rebates by way of Housing Beneﬁt are paid by the receipt of Income Support; Income based Job Seekers Rates Collection Agency. allowance or Pension Credit. Tax Credits A Crisis Loan may be available to anyone, whether or The tax credits system was introduced in April 2003 and not they are in receipt of beneﬁt and who needs to includes two elements, the Child Tax Credit and The meet expenses in an emergency or as a consequence Working Tax Credit. of a disaster. Child Tax Credit is a means tested credit payable to Funeral payments exist to help with the essential costs families with children under sixteen or under nineteen of a respectful funeral which the individual or their and still in relevant education. Child Tax Credit is payable partner is responsible for arranging. An individual to people regardless of whether in employment or not. may receive a Funeral Payment if they are in receipt of Working Tax Credit is a means tested credit for families Income Support, Income based Job Seekers allowance, or people with a disability who work 16 hours or more Pension Credit, Working Tax Credit where a disability per week. The credit is also available to single people or severe disability element is included in the award, and childless couples aged over 25 and working more Child Tax Credit at a rate higher that the family element than 30 hours per week. or Housing Beneﬁt. The information given for these government The payment covers various aspects of the funeral, beneﬁts are for guidance purposes only. It is but is recoverable from any money available from the advisable to seek help from an independent deceased’s estate. advice centre and have your entitlement to beneﬁt assessed by a competent adviser. Log onto Advice NI website to ﬁnd out where you local centre is www.adviceni.net 18 19 CANCER SPECIFIC CHARITIES Care For Cancer Care for Cancer is a locally based charity which provides information, advice and practical support to individuals and families who have been touched by cancer in mid and west Tyrone. The charity offers several services of which include: ¢¶An information library and advice in their resource centre at 10 Prospect Court, Omagh ¢ The provision of transport to patients for hospital appointments, where regular transport is unavailable ¢ A ‘be-friending’ and/or ‘sitting service’ to individuals and families ¢ Grant aid to assist with nursing and support packages to enable patients to maintain a quality of life in their own home (in certain circumstances) ¢ Free provision of recliner chairs ¢ A support group to those living with cancer ¢ Reﬂexology therapy for those living with cancer and their carers ¢ Professional counselling for patients, family and friends. If you would like further information from the Care for Cancer ofﬁce you can phone or call into the ofﬁce at: 10 Prospect Court, Omagh BT78 1AR Tel: 028 8224 6599 CANCER SPECIFIC CHARITIES There are numerous cancer charities which are available to give help and support to individuals and their families when someone is diagnosed with cancer. We have listed a few who have helped us publish this booklet. 21 CANCER SPECIFIC CHARITIES CANCER SPECIFIC CHARITIES Ulster Cancer Foundation Also a wide range of turbans and hats are The Ulster Cancer Foundation exists to help patients and available for women experiencing hair loss due their families cope with cancer, research new and better to chemotherapy treatments for cancer and prevent cancer in Northern ¢ Support Programmes for Cancer Patients – a Ireland. The charity offers the following services to variety of support activities are regularly available anyone suffering with cancer or their families: and include art therapy, beauty workshops and a number of events organized for information and ¢ Cancer Conﬁdential Telephone helpline – a free social activities. phone number giving accurate and easily understood information available on all aspects of cancer. The If you would like to avail of any of these services or service is provided by specially trained nurses with would like to obtain further information you can contact experience in cancer care. It is conﬁdential. The the Foundation at: telephone number is 0800 783 3339 ¢ Experienced Cancer Counselling – Professional Ulster Cancer Foundation Headquarters, Counselling available at a number of venues 40/44 Eglantine Avenue, including Belfast City Hospital, Belvoir Park Hospital, Belfast, BT9 6DX Altnagelvin Area Hospital, Antrim Area Hospital and Tel: 028 9066 3281 Craigavon Area Hospital Web: www.ulstercancer.org ¢ Patient Support Groups – The Ulster Cancer Foundation has various support groups that meet all over Northern Ireland. Each of these groups meet regularly and is facilitated by Ulster Cancer Foundation Nurses ¢ Patient to Patient Home and Hospital Visits – People who have experienced cancer themselves and been successfully treated, can offer a unique understanding and practical support to those people who are facing similar situations ¢ Specialist Fitting Service – A professional ﬁtting is available for women who have had breast surgery. Women have the opportunity to view and purchase from a wide range of specialist’s bras and swim suits, suitable for their requirements. The service is provided on an individual and conﬁdential basis. 22 23 CANCER SPECIFIC CHARITIES CANCER SPECIFIC CHARITIES Marie Curie planned around the individual needs and the centre will Every year Marie Curie Cancer Care provides care to attempt to meet the individual’s requirements. around 937 cancer patients and their families – entirely free of charge (Northern Ireland). Therapies on offer include: ¢ Complementary therapies including aromatherapy, In the community, high-quality Marie Curie Nursing massage, relaxation, reiki and reﬂexology gives terminally ill people the choice of dying at home, ¢ Social Support/counselling service to help couples, supported by their families. family groups to talk about their worries and expectations with trained counselors At the Marie Curie Hospice, they actively promote ¢ Physiotherapy, a physiotherapist will try to help quality of life for patients and again provide much you stay active and retain as much independence needed support for their carers. as possible ¢ Occupational therapy will help maintain The Charity also investigates the causes of cancer and independence in all aspects of the individual’s daily better ways to treat the disease at the Marie Curie life at home, work and leisure within the limitations Research Institute. of your illness ¢ Art/Music therapy, working on creative projects Marie Curie Cancer Care employs both Registered with an art/music therapist can help the individual Nurses and Healthcare Assistants to care for cancer express thoughts, feelings or experiences that may patients in their own home. be difﬁcult to put into words ¢ Chaplaincy offers pastoral counselling and spiritual The District Nurse, who organizes the patient’s care support to individuals and their family members at home, assesses whether a Registered Nurse or whatever their religious beliefs. Healthcare Assistant is appropriate, depending on the patient’s nursing needs, the availability of other services If you would like to avail of any of these services or and the needs of the family/carer. would like to obtain further information you can contact the Marie Curie Belfast Hospice at: Marie Curie Hospice, Belfast The Marie Curie Hospice in Belfast aims to help Marie Curie Belfast Hospice, the individual maintain the best possible quality of Kensington Road, life throughout their illness in a relaxed, warm and Belfast, BT5 6NF friendly environment. Tel: 028 9088 2050 Email: email@example.com The individual will be able to take advantage of the Web: www.mariecurie.org.uk range of therapies and services on offer. Day therapy is 24 25 CANCER SPECIFIC CHARITIES CANCER SPECIFIC CHARITIES Action Cancer Cancer Research Action Cancer is a Northern Ireland charity, established CancerHelp UK is a free information service about in 1973 by Dr. George Edelstyn. The founder’s vision cancer and cancer care for people with cancer and their for the future was that people in Northern Ireland would families. Cancer Research believes that information be free from the risk of cancer. Action Cancer carries about cancer should be freely available to all and written on the ﬁght for freedom from cancer and maintains a in a way that people can easily understand. pioneering role in the development of cancer services. For further information on the advice and support Action Cancer works right across Northern Ireland offered contact: providing: Cancer Research Northern Region, ¢ Early detection services for the Northern Ireland PO Box 123 community Lincoln’s Inn Fields, ¢ Counselling and support services for cancer patients London, WG2A 3PX and their families Tel: 020 7269 3142 ¢ Research at local universities Freephone: 0800 22 6237 ¢ Cancer prevention Email: firstname.lastname@example.org Web: www.cancerhelp.org.uk ¢ Health promotion For further information and contact details of your nearest Action Cancer support groups contact: Action Cancer, 1 Marlborough Park, Belfast, BT8 6XS Tel: 028 9080 3344 Email: email@example.com Web: www.actioncancer.org 26 27 CANCER SPECIFIC CHARITIES CANCER SPECIFIC CHARITIES CLIC Sargent ¢ A Family Support Service The Sargent Youth Programme in Northern Ireland ¢ A Youth Programme provides educational, recreational and vocational ¢ Psycho-social support from Social Workers activity to support young people diagnosed with a and Psychologists cancer related illness. ¢ Home from home accommodation at The Royal Belfast Hospital for Sick Children ¢ Young people can access advice and information ¢ Financial Support about cancer, beneﬁts, grants, education and ¢ Holidays for families employment through the youth development ¢ A unique educational, vocational and recreational worker facility for young people with cancer, brothers and ¢ Young people between the ages of 12 and 21 sisters, friends and family. who have been diagnosed with cancer are given the opportunity to have hands on experience of If you wish to obtain more information on the CLIC computer technology. They can link up with other Sargent Charity please use the following contacts: young people in a similar situation to themselves, contact their friends and access the internet Tel: 028 9072 5780 ¢ Youth Support Groups offer localized support Email: firstname.lastname@example.org groups in many parts of Northern Ireland for young Web: www.sargent.org people diagnosed with cancer ¢ Peer Support Programme organizes a number of young people who have had a cancer related illness to visit other young people newly diagnosed to provide information and support ¢ The Activity Programme offers young people the opportunity to meet and overcome challenges, pursue particular interests and get involved with activities geared to all abilities on an individual or group basis. CLIC Sargent in Northern Ireland offers children, young people and their families support at home and in hospital by providing: 28 29 CANCER SPECIFIC CHARITIES Capricorn (Cancer And Palliative Care Online Resource Network) Sperrin Lakeland Palliative and Supportive Care Team was established to provide a service for patients with cancer, or progressive advanced. The team is hospital based with a remit to the community allowing support in any care setting throughout Sperrin Lakeland Trust. The aim of the Team is to enhance the quality of life of patients and their families, in conjunction with other health care professionals by: ¢ Providing specialist advice on how to manage troublesome symptoms from diagnosis onwards ¢ Advice on treatment options ¢ Patient grants ¢ Emotional support to patients and their families ¢ Link between hospital and home ¢ Education resource to other health care professionals. For further information please contact: Tel: 028 8283 3117 Web: www.capricorn-ni.org 30 O T H E R U S E F U L O R G A N I S AT I O N S Advice NI Advice NI (formerly the Association of Independent Advice Centres, AIAC) is an umbrella organisation for the independent advice sector in Northern Ireland. Its members (about 75 organisations) are made up of specialist and generalist advice providers that work within their local communities or “communities of interest” to provide information, advice, advocacy and representation. The independent advice centres provide free, impartial and conﬁdential information and advice on a range of issues including beneﬁts, housing, employment, tax and debt. They can help ﬁll out beneﬁt forms and represent you at a tribunal if you get turned down for beneﬁts. Advisers can provide you with the advice over the telephone, make an appointment for you to come into their centre or call out to your home if you are not able to make it to the centre. All of the staff are trained and have access to up to date information resources to help them. If you would like further information on the independent advice sector please contact: Advice NI, 1 Rushﬁeld Avenue, Belfast, BT7 3FP Tel: 028 9064 5919 Fax: 028 9049 2313 Email: email@example.com Web: www.adviceni.net 33 O T H E R U S E F U L O R G A N I S AT I O N S O T H E R U S E F U L O R G A N I S AT I O N S St. Vincent de Paul Civil Service Benevolent Fund St. Vincent de Paul offer a home visitation on a person to The Civil Service Benevolent Fund aims to help person basis and carry out around 3000 home, hospital individuals meet the challenges that may face them or and prison visits weekly. their families at different times in their lives. It exists entirely to help: 2000 volunteers work within all communities visiting the elderly, families and individuals offering spiritual, ¢ All serving Civil Servants, and their dependants ﬁnancial and material help for things such as food, ¢ All retired and former Civil Servants and clothing, furniture, electrical items, fuel and holidays. their dependants. In addition to the visitation programme, the Society is involved in a wide range of other activities including: The fund helps around 10,000 people every year and provides £4m in direct ﬁnancial help. ¢ Playgroups and Crèches ¢ Clothing, Furniture and Electrical Shops For further information please contact The Civil Service ¢ Home Management Courses Benevolent Fund: ¢ Family Hostel and Holiday Home ¢ Worktrack and New Deal Opportunities Freephone number: 0800 056 2424 ¢ Breakfast and After school Clubs Email: firstname.lastname@example.org Website: www.csbf.org.uk ¢ Drop in Centres and Deaf Centre ¢ Furniture Collections and Removals. The Civil Service Benevolent Fund is only one fund which is available to help individuals; there are many If you would like further information of the services funds which are available to help and also Unions that offered in your area please contact; the individual may be subscribing to. A useful website to check for benevolent funds or union support is: Society of St. Vincent de Paul, Northern Regional Ofﬁce, www.joblinks.org.uk 196-200 Antrim Road, Belfast, BT15 2AJ Tel: 028 9035 1561 Email: email@example.com Web: www.svp-ni.org 34 35 O T H E R U S E F U L O R G A N I S AT I O N S O T H E R U S E F U L O R G A N I S AT I O N S Warm Homes Scheme (can apply to children over the age of 16 and in full The Warm Homes scheme began in July 2001. It is time education) funded by the Department for Social Development and ¢ Expectant mothers in receipt of a Maternity managed by Eaga Partnership. certiﬁcate (MAT B1) and one of the above beneﬁts. The Warm Home Scheme is aimed at private sector Householders under the age of sixty (the applicant housing only, i.e. those who are owner occupiers or or their spouse) who are in receipt of one or more who rent their homes from private landlords. of the following disability related beneﬁts: ¢ Disability Living Allowance The insulation measures that are available under the ¢ Housing Beneﬁt (with Disability Premium) scheme include: ¢ Rate Rebate (with Disability Premium ¢ Cavity Wall Insulation ¢ Income Support (with Disability Premium) ¢ Reﬂective Radiator Panels (solid walls only) ¢ Working Tax Credit (with Disability Premium) & ¢ Loft insulation NHS Tax Exemption Certiﬁcate ¢ Draught prooﬁng to windows and doors ¢ War Disablement Pension (with Mobility supplement ¢ Hot Water Tank Jackets or Constant Attendance Allowance) ¢ Compact Fluorescent Lamps ¢ Industrial Injuries Disablement Beneﬁt (with ¢ Energy Advice. Constant Attendance Allowance). A grant of £750 is available for the installation of Householders who are 60 years and over and are in these measures. receipt of one or more of the following beneﬁts: ¢ Rate Rebate There are three main groups of householders who are ¢ Housing Beneﬁt eligible for the insulation measures. These include: ¢ Pension Credit ¢ Income Based Job Seekers Allowance Householders of any age (the applicant or their ¢ Attendance Allowance spouse) who have a child under the age of 16 ¢ Disability Living Allowance and who are in receipt of one or more of the ¢ Working Tax Credit (with Disability Premium) & following beneﬁts: NHS Tax Exemption Certiﬁcate ¢ Housing Beneﬁt ¢ Industrial Injuries Disablement Pension (with ¢ Rate Rebate Constant Attendance Allowance) ¢ Income Support ¢ War Disablement Pension (with Mobility Supplement ¢ Income Based Job Seekers Allowance or Constant Attendance Allowance). ¢ Child Tax Credit & NHS Tax Exemption Certiﬁcate 36 37 O T H E R U S E F U L O R G A N I S AT I O N S O T H E R U S E F U L O R G A N I S AT I O N S Warm Homes Plus Samaritans As well as the insulation measures, the last group of Samaritans is available 24 hours a day to provide householders i.e. those 60 and over and who are in conﬁdential emotional support for people who are receipt of one of the speciﬁed beneﬁts above are also experiencing feelings of distress or despair, including eligible for the following heating measures: those which may lead to suicide. ¢ Conversion of an existing bottle gas, solid fuel Samaritans’ vision is for a society in which: central heating system or Economy 7 to oil or ¢ Fewer people die by suicide natural gas ¢ People are able to explore their feelings ¢ Installation of a new fully controllable, energy ¢ People are able to acknowledge and respect the efﬁcient oil or gas central heating system feelings of others. ¢ Repair/upgrade of an existing oil/natural gas central heating system. Samaritans’ values are based on these beliefs: ¢ The importance of having the opportunity to explore *The total grant available in this instance for both difﬁcult feelings insulation and heating measures is £3,700. ¢ That being listened to, in conﬁdence and accepted without prejudice, can alleviate despair and For more information or to register on the Warm Homes suicidal feelings Scheme, please contact: ¢ That everyone has the right to make fundamental decisions about their own life. EAGA Partnership Freephone 0800 181 667 Callers can contact the Samaritans by telephone, letter, email and Mincom. The commitment to making *If a property requires more than the maximum grant, these means of access available 24 hours a day will be this is taken from the Energy Efﬁciency Programme maintained by all branches. administered by Northern Ireland Electricity so householders do not have to make any ﬁnancial Callers can visit a branch for face-to-face support. Each contribution. branch will advertise when they are available for face to face support. Samaritans aim to ensure that telephone and Mincom callers are not kept waiting for a response and that as many as possible get through ﬁrst time. Tel: 08457 909090 38 39 I N D E P E N D E N T M O N E Y A D V I C E O R G A N I S AT I O N S Independent Money Advice Service Organisations The list below gives information and contact details of dedicated independent Money Advice Agencies all over Northern Ireland. These agencies offer advice, information and guidance on all aspects of money advice including income maximization. Please feel free to contact your local agency for help. Omagh Independent Advice Services, Community House, 2 Drumragh Avenue, Omagh, BT78 1DP Tel: 028 8224 3252 Web: www.oias.co.uk Email: firstname.lastname@example.org Springﬁeld Charitable Association, Montague Centre Broadway, 2 Falls Water Street, Belfast , BT12 6B2 Tel: 028 9032 9085 Web: www.scaltd.net Email: email@example.com Neighbourhood Assist, Dove House Community Trust, 32 Meenan Square, Derry, BT48 9EX Tel: 028 7126 9327 Web: www.freederry.org Email: firstname.lastname@example.org 41 I N D E P E N D E N T M O N E Y A D V I C E O R G A N I S AT I O N S Age Concern NI, 3 Lower Crescent, Belfast, BT7 1NR Tel: 028 9024 5729 Web: www.ageconcernni.org Email: email@example.com Housing Rights Service, Middleton Buildings, 4th Floor, 10-12 High Street, Belfast, BT1 2BA Tel: 028 9024 5640 Web: www.housingrights.org.uk The Presbyterian Orphans and Children’s Society, Church House, Fisherwick Place, Belfast, BT1 6DW Tel: 028 9032 3737 University of Ulster Students Union, Jordanstown Campus, Newtownabbey, BT37 0QB Tel: 028 9036 6050 Web: www.uusu.org/main/ East Belfast Independent Advice Centre, 85 Castlereagh Road, Belfast, BT5 4NF Tel: 028 9096 3003 LCDI Advice Centre, 24d Benevagh Drive, Limavady, BT5 4NF Tel: 028 7776 5438 Email: firstname.lastname@example.org 42 F I N A N C I A L S TAT E M E N T WAGE / SALARY £ INCOME PARTNER £ BENEFITS £ OTHER £ TOTAL INCOME £ RENT / MORTGAGE £ EXPENDUTRE 2ND MORTGAGE / SECURED LOAN £ RATES £ GROUND RENT £ Financial Statement SERVICE CHARGES £ As mentioned earlier in the booklet, it is useful to write REPAIRS £ down a list of income coming into the household and all WATER CHARGES £ expenditure going out. This will give an idea of much HOUSE CONTENTS INSURANCE £ surplus or minus income the household has and how BUILDING INSURANCE £ budgeting control may be helpful. MORTGAGE ENDOWMENT £ LIFE INSURANCE £ In the expenditure columns realistic ﬁgures are a must GAS £ and all household expenditure should be included. ELECTRICITY £ Remember the individual may now have extra travel expenditure to attend hospital appointments or COAL £ prescription costs for medication. OIL £ TELEPHONE £ It may be necessary to cut back or cut out certain HOUSEKEEPING £ expenditure for the time being, particularly if a minus CLOTHING / FOOTWEAR £ ﬁgure is showing. CHILDCARE £ PET FOOD / VET £ It would be beneﬁcial to seek help from a dedicated SCHOOL MEALS / EXPENSES £ Money Adviser. Remember all Money Advisers work TV / VIDEO £ on a conﬁdential basis and can help maximise income HEALTH COSTS £ and give advice on budgeting. CAR COSTS £ OTHER £ £ £ TOTAL £ INCOME £ EXPENDITURE £ AVAILABLE FOR OTHER CREDITORS £ 44 45 OIAS would like to take this opportunity to thank all the different organisations who contributed to this booklet and our website. Development of this pack was funded by the FSA’s Innovation Fund: it was one of 12 successful applicants to the fund from over 350 in 2006/7. Omagh Advice Services is not an afﬁliate of the FSA and the FSA does not endorse the contents of its information packs. www.dealingwithcancer.co.uk DEALING WITH C ANCER HELPING TO EASE THE FINANCIAL S TR ES S
"OIAS CANCER UMENT dd"